Mercury reference
Look up what each status, column, permission and message means on the Mercury page. For how the pieces fit together, see How Mercury works.
Payment statuses
The Status column of the Payments tab, and the status in the Pay with Mercury dialog while a payment is in progress.
| Status | Means | Bill or deposit |
|---|---|---|
| Awaiting approval in SKU.io | Waiting for someone with Approve payments to approve it on the Payments tab | In progress: it can't be paid again yet |
| Awaiting Mercury approval | Sent to Mercury, waiting for an admin to approve it in Mercury's app | In progress |
| Approved — processing | Approved; Mercury is sending the money | In progress |
| Paid | Mercury sent it and SKU.io recorded the payment on every bill or deposit it paid | Paid or Partially Paid |
| Not approved | Declined, in SKU.io or in Mercury | Payable again |
| Cancelled | Cancelled in Mercury | Payable again |
Under the status, the row says who sent the payment, and once it's reviewed, who approved or declined it and where.
Payments tab
| Column | Shows |
|---|---|
| ID | The payment's number in SKU.io |
| Supplier | The supplier paid; links to the supplier |
| Paying | Each bill, purchase invoice or vendor deposit it pays; each links to its page |
| Amount | The total sent to the supplier |
| Method | ACH, Domestic wire or Check |
| Sent | When it was sent from SKU.io |
| Status | See Payment statuses |
Filter by Status, Method and date, and search by supplier, bill or invoice number, or Mercury request ID. Row actions: Approve & send and Decline (while it's awaiting approval in SKU.io), View Supplier, a link to each bill or deposit, and Open in Mercury. Reconcile now asks Mercury for recent payment and approval changes straight away.
Bank transaction matches
| Match | Means |
|---|---|
| Matched | Linked to a payment, bill, purchase invoice or vendor deposit. Paid from SKU.io: sent with Pay with Mercury. Auto-matched: an already recorded payment fits on amount and on supplier or reference. Matched by hand: someone confirmed or recorded it, named after "by" |
| Suggested match | One or more open bills, deposits or recorded payments fit. Confirm records the top one; with several, you choose |
| Unmatched | Nothing in SKU.io fits |
| Ignored | Marked as not a supplier payment (Ignored by hand), or Mercury reports the transfer didn't go through |
Suggestions come from payments recorded within 10 days of the bank date and from open bills and deposits whose unpaid amount equals the transfer. The reasons shown with each suggestion are: Same amount (or Same as the amount still unpaid), Same supplier, Reference on the transfer, Recorded N days from the bank date and Due within 10 days of the bank date. Up to five suggestions are kept.
Bank transactions tab
| Column | Shows |
|---|---|
| Date | When the transaction happened, and the Mercury account |
| Counterparty | Who Mercury says the money went to or came from, and the matching supplier when SKU.io knows it |
| Description | Mercury's bank description and the transfer's note |
| Amount | Outgoing money in red (−), incoming money in green (+) |
| Bank status | Mercury's status for the transfer, for example Sent or Pending |
| Match | See Bank transaction matches |
Row actions: Confirm match, Record as bill payment… and Record as vendor deposit on a PO… (money out only), Ignore, Restore (ignored rows) and Open in Mercury.
Recipients tab
| Column | Shows |
|---|---|
| Recipient | The recipient's name in Mercury |
| The recipient's email in Mercury | |
| Mapping | Mapped (linked to a supplier) or Unmapped |
| Supplier | The linked supplier |
| Status | Mercury's status: Active, Invited (waiting for the supplier to add bank details) or Deleted |
| Payment method | The recipient's default method in Mercury |
| Created At | When the recipient was first copied into SKU.io |
Accounts tab
Accounts, Total available and Default payment account cards, then each account with its Type (for example Checking) and Available balance. Balances are as of the last connection check; Test connection on the Settings tab refreshes them.
Token permissions
Test connection on the Settings tab checks each of these with a harmless call. Payment checks use a recipient that doesn't exist, so no money can move.
| Permission | Used for |
|---|---|
| Read accounts and balances | Accounts tab, default payment account |
| Read recipients | Recipient sync and supplier mapping |
| Read transactions | Marking bills paid when Mercury sends the money |
| Read payment requests | Seeing approvals made in Mercury |
| Read webhooks | Instant payment updates |
| Send money with approval | Paying bills when approval happens in Mercury |
| Send money | Paying bills when approval happens in SKU.io |
Each one shows Allowed, Not allowed, Blocked by IP allowlist (the token has the permission, but SKU.io's servers aren't on its allowlist) or Couldn't check. Change permissions on the token in Mercury → Settings → API Tokens.
Webhooks tab
Webhook Subscription shows whether Mercury sends SKU.io instant updates:
| Status | Means |
|---|---|
| Active | Mercury sends updates |
| Paused in Mercury | Paused on Mercury's side |
| Disabled by Mercury | Mercury stopped sending, usually after repeated failures |
| Not registered | No webhook yet; click Register webhook |
| Can't reach Mercury | SKU.io couldn't check with Mercury |
It also shows the Delivery URL, the Events (transaction created and transaction updated), the Mercury webhook ID, whether a Signing secret is stored, when it was Registered, and the Last event received. Check with Mercury refreshes the status; Register webhook (or Re-register) sets it up again.
Webhook Events lists every update received: Event Type, Resource ID, Status (Received, Processed or Failed), Attempts, Received, Processed and Error. Expand a row to see the full update. Replay Event processes a Received or Failed event again; it needs Integrations → Sync.
Permissions
| To… | You need |
|---|---|
| connect Mercury | Integrations → Create |
| change Mercury settings, test the connection, register webhooks, link, unlink or invite recipients | Integrations → Edit |
| disconnect Mercury | Integrations → Delete |
| sync recipients, Reconcile now, replay a webhook event | Integrations → Sync |
| pay with Mercury, confirm, record, ignore or restore bank transactions | Mercury Bill Pay → Send payments |
| approve payments in SKU.io | Mercury Bill Pay → Approve payments |
| decline a payment | Approve payments, or Send payments for a payment you sent yourself |
Alerts
| Alert | Sent when | Sent to |
|---|---|---|
| Mercury Payment Awaiting Approval | Someone sends a payment that's approved in SKU.io | Everyone who can approve Mercury payments, except the person who sent it |
| Mercury Payment Update | A payment is approved and sent, declined (in SKU.io or in Mercury), or fails or is returned by Mercury | The person who sent it |
Choose how you get them in Settings → Alerts & Notifications.
Messages
| Message | Where | What to do |
|---|---|---|
| This bill already has a Mercury payment in progress… | Pay with Mercury | Wait until it's paid or declined, or decline it on the Payments tab |
| Link [supplier] to a Mercury recipient first. | The send button | Link or invite the supplier in the dialog |
| More than the open balance | Amount | Lower the amount |
| More than your bill payment approval policy approved | Amount | Request approval for the difference first |
| That account doesn't have enough available balance. | The send button | Pick another account or pay less |
| … is not in USD — Mercury pays USD only. | Sending | Pay it another way |
| Purchase invoice … is not approved for payment. | Sending | Get the invoice's payment approved first |
| Vendor deposit … must be approved before it can be paid. | Sending | Approve the deposit |
| Vendor deposit … has payee bank details that haven't been verified | Sending | Verify the deposit's bank details |
| Payments by … are turned off for this Mercury connection | Sending | Allow the method on the Settings tab |
| This payment is no longer waiting for approval in SKU.io. | Approve or decline | Someone else already acted; refresh the list |
| This is money coming in — only outgoing transfers can be recorded as supplier payments. | Bank transactions | Ignore it instead |
| … has only … left to pay — this transfer is … | Bank transactions | Pick another document, or record it some other way |
| Mercury reports this transfer did not go through — there is no payment to record. | Bank transactions | Nothing to do |
| This transaction is ignored — restore it first. | Bank transactions | Click Restore first |